MIDWESTERN MORTGAGE
Personal Information Protection Policy
MIDWESTERN MORTGAGE is committed to safeguarding the personal
information entrusted to us by our clients. We manage your
personal information in accordance with Saskatchewan’s Freedom of
Information and Protection of Privacy Act and other applicable
laws. This policy outlines the principles and practices we follow
in protecting your personal information.
This policy applies to MIDWESTERN MORTGAGE. The policy also
applies to any person providing services on our behalf.
A copy of this policy is provided to any client on request.
What is personal information?
Personal information means information about an identifiable
individual. This includes an individual’s name, home
address and phone number, age, sex, marital or family status,
an identifying number, financial information, educational history,
etc.
What personal information do we collect?
We collect only the personal information that we need for
the purposes of providing services to our clients, including
personal
information needed to:
-Obtain a Mortgage
-Pre-approval of a Mortgage
-Granting of Credit in matters directly related to the Services
regarding that of a Mortgage Broker
-Meet regulatory requirements
We normally collect client information directly from our clients.
We may collect your information from other persons with your
consent or as authorized by law.
We inform our clients, before or at the time of collecting personal
information, of the purposes for which we are collecting the
information. The only time we do not provide this notification
is when a client volunteers information for an obvious purpose,
(for example, providing us with an Offer to Purchase when you
wish to initiate a mortgage credit application).
Consent
We ask for consent to collect, use or disclose client personal
information, except in specific circumstances where collection,
use or disclosure without consent is authorized or required by
law. We may assume your consent in cases where you volunteer
information for an obvious purpose.
In cases where we collected personal information before January
1, 2004, we assume your consent to our use and, where applicable,
disclosure for the purpose for which the information was collected.
We ask for your express consent for some purposes and may not
be able to provide certain services if you are unwilling to
provide consent to the collection, use or disclosure of certain
personal information. Where express consent is needed, we will
normally ask clients to provide their consent in writing (by
signing a consent form).
A client may withdraw consent to the use and disclosure of personal
information at any time, unless the personal information is necessary
for us to fulfil our legal obligations. We will respect your
decision, but we may not be able to provide you with certain
products and services if we do not have the necessary personal
information.
We may collect, use or disclose client personal information without
consent only as authorized by law. For example, we may not request
consent when the collection, use or disclosure is reasonable
for an investigation or legal proceeding, to collect a debt owed
to our organization, in an emergency that threatens life, health
or safety, or when the personal information is from a public
telephone directory.
How do we use and disclose personal information?
We use and disclose client personal information only for the
purpose for which the information was collected, except as authorized
by law. For example, we may use client contact information to
deliver goods. The law also allows us to use that contact information
for the purpose of collecting a debt owed to our organization,
should that be necessary.
If we wish to use or disclose your personal information for any
new business purpose, we will ask for your consent.
How do we safeguard personal information?
We make every reasonable effort to ensure that client information
is accurate and complete. We rely on our clients to notify
us if there is a change to their personal information that
may affect
their relationship with our organization. If you are aware
of an error in our information about you, please let us know
and
we will correct it on request wherever possible.
In some cases we may ask for a written request for correction.
We protect client personal information in a manner appropriate
for the sensitivity of the information. We make every reasonable
effort to prevent any loss, misuse, disclosure or modification
of personal information, as well as any unauthorized access
to personal information.
We use appropriate security measures when destroying client
personal information, including shredding paper records and
permanently
deleting electronic records.
We retain client personal information only as long as is reasonable
to fulfil the purposes for which the information was collected
or for legal or business purposes.
Access to records containing personal information
Clients of MIDWESTERN MORTGAGE have a right of access to their
own personal information in a record that is in our custody
or under our control, subject to some exceptions. Organizations
are required under the Freedom of Information and Protection
of Privacy Act to refuse to provide access to information that
would reveal personal information about another individual.
Organizations
are authorized under the Act to refuse access to personal information
if disclosure would reveal confidential business information.
Access may also be refused if the information is privileged
or contained in mediation records.
If we refuse a request in whole or in part, we will provide
the reasons for the refusal. In some cases where exceptions
to access
apply, we may withhold that information and provide you with
the remainder of the record.
You may make a request for access to your personal information
by writing to Micheal Gregory, Information Officer for MIDWESTERN
MORTGAGE. You must provide sufficient information in your request
to allow us to identify the information you are seeking.
You may also request information about our use of your personal
information and any disclosure of that information to persons
outside our organization. For personal information collected
before January 2004, if we do not have a record of disclosures,
we will provide information about any disclosure of your information
that is likely to have occurred.
You may also request a correction of an error or omission in
your personal information.
We will respond to your request within 45 calendar days, unless
an extension is granted. We may charge a reasonable fee to
provide information, but not to make a correction. We will
advise you
of any fees that may apply before beginning to process your
request.
Questions and complaints
If you have a question or concern about any collection, use
or disclosure of personal information by MIDWESTERN MORTGAGE,
or
about a request for access to your own personal information,
please contact Peter Davies, Information Officer in the first
instance:
Peter
Davies,
Information Officer
MIDWESTERN MORTGAGE
Ph. (250) 215-1275
www.pointswestmortgage.com
If
you are not satisfied with the response you receive, you should
contact the Information and Privacy Commissioner of Saskatchewan:
Office
of the Saskatchewan Information and Privacy Commissioner
503 - 1801 Hamilton Street
Regina, SK S4P 4B4
Phone: (306)787-8350 Toll Free: 1-877-748-2298
E-mail: webmaster@oipc.sk.ca Web site: www.oipc.sk.ca
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